FEHB Premium Calculator
Compare Federal Employee Health Benefits plans and calculate your premiums as an active employee or retiree. See how costs change at retirement.
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Showing 14 plans for Self Only coverage (Active Employee)
| Plan Name | Carrier | Type | Coverage | Your Cost (Biweekly) | Monthly | Annual | At Retirement (Monthly) |
|---|---|---|---|---|---|---|---|
Kaiser Permanente - High Deductible Health PlanLowest Cost CA, CO, DC, MD, VA, HI, OR, WA | Kaiser Foundation Health ... | High Deductible Health Plan | Regional | $28.99 | $62.81 | $753.74 | $62.81 |
GEHA HDHP | Government Employees Heal... | High Deductible Health Plan | Nationwide | $29.94 | $64.86 | $778.31 | $64.86 |
UnitedHealthcare HDHP Multiple regions | UnitedHealthcare | High Deductible Health Plan | Regional | $31.09 | $67.35 | $808.21 | $67.35 |
Aetna HealthFund HDHP Multiple regions | Aetna Life Insurance Comp... | High Deductible Health Plan | Regional | $32.55 | $70.52 | $846.30 | $70.52 |
MHBP Value Option | Mail Handlers Benefit Pla... | Fee-for-Service | Nationwide | $33.72 | $73.06 | $876.72 | $73.06 |
FEP Blue Focus Multiple regions | Blue Cross Blue Shield As... | Health Maintenance Organization (HMO) | Regional | $36.47 | $79.01 | $948.16 | $79.01 |
Blue Cross Blue Shield Service Benefit Plan - Basic Option | Blue Cross Blue Shield As... | Fee-for-Service | Nationwide | $38.53 | $83.48 | $1,001.78 | $83.48 |
Aetna Direct CDHP Multiple regions | Aetna Life Insurance Comp... | Health Maintenance Organization (HMO) | Regional | $39.34 | $85.23 | $1,022.71 | $85.23 |
UnitedHealthcare Primary Multiple regions | UnitedHealthcare | Health Maintenance Organization (HMO) | Regional | $40.89 | $88.60 | $1,063.21 | $88.60 |
GEHA Standard Option | Government Employees Heal... | Fee-for-Service | Nationwide | $43.77 | $94.83 | $1,137.95 | $94.83 |
MHBP Standard Option | Mail Handlers Benefit Pla... | Fee-for-Service | Nationwide | $45.12 | $97.75 | $1,173.06 | $97.75 |
Kaiser Permanente - Standard Option CA, CO, DC, MD, VA, HI, OR, WA | Kaiser Foundation Health ... | Health Maintenance Organization (HMO) | Regional | $45.53 | $98.65 | $1,183.85 | $98.65 |
APWU Health Plan - High Option | American Postal Workers U... | Fee-for-Service | Nationwide | $46.60 | $100.97 | $1,211.60 | $100.97 |
Blue Cross Blue Shield Service Benefit Plan - Standard Option | Blue Cross Blue Shield As... | Fee-for-Service | Nationwide | $50.81 | $110.08 | $1,320.93 | $110.08 |
About FEHB Premiums
- • Active Employees: Government contributes up to 72-75% of premium
- • Retirees: Government contributes same percentage, but you see full premium impact
- • 2026 Maximum Government Contribution: Self Only: $324.76/biweekly, Self Plus One: $711.17/biweekly, Self & Family: $778.03/biweekly
- • Note: This is a sample of major carriers. Full OPM data includes ~300 plans
Learn More About FEHB
Understand plan types, the 5-year rule, retirement considerations, and Open Season strategies.
Read the Complete FEHB Guide 2026 →